if they get in trouble the government will come to their aid. i'd love to hear the presidential candidates and talk about this and it is not going to happen until the markets are on their own. the traditional banks are being hurt by near zero interest rate policy. traditional banks have to lend to make money. the mega banks have securities operations and can invest overseas a lot of places where they can make money in a zero interest rate environment. the low interest rates which the federal reserve told us will be that way until 2015 a are also hurting savers. >> they absolutely are. it creates inflation risk. people are penalized. the return if they are investing their savings some place safe the return is not keeping pace with inflation. every year they are losing money. so of course that creates incentive to invest in riskier assets and that's what we had with the crisis, low interest rates then. not as low as now but people are looking for return with the sub prime mortgages. it creates incentives which create significant risk for the syste